Triple Backgrounds: You will need the html code below while editing it to reflect your image choices as well as your border colors..
<![CDATA[<HTML>
<HEAD>
<TITLE>Your Page Title</TITLE>
</HEAD>
<BODY BACKGROUND="first background here.gif" BGCOLOR=#FFFFFF TEXT=#FFFFFF LINK=#000000 VLINK=#000000 ALINK=#000000>
<BR>
<BR>
<CENTER><TABLE BACKGROUND="second background here.gif" BGCOLOR=#FFFFFF BORDER="2" BORDERCOLOR=#your color choice here WIDTH="90%" CELLPADDING="50" CELLSPACING="0">
<TR>
<TD WIDTH="100%">
<P><CENTER><TABLE BACKGROUND="third background here.gif" BGCOLOR=#FFFFFF BORDER="2" BORDERCOLOR="#your color choice here" WIDTH="100%" CELLPADDING="5" CELLSPACING="0">
<TR><TD WIDTH="100%">
<p>
<center>Contents Here</center>
<p>
</TD>
</TR>
</TABLE>
</CENTER>
</TD>
</TR>
</TABLE>
</CENTER>
<BR>
<BR>
</BODY>
</HTML>]]>
A Second Triple Background: I use this fequently in my layered sets.
<![CDATA[<html>
<head><!--script by A1 JavaScripts. IT ONLY WORKS IN IE--><body bgproperties="fixed"><!-- -->
<title>Your Page Title</title></head>
<body background="first background here.gif" text="#000000" link="#000000" alink="#000000" vlink="#000000">
<br>
<p><center><table width="90%" cellpadding=40 cellspacing=0 border=1 background="second background here.gif">
<tr>
<td width="100%">
<p><center><table width="100%" border=1 background="third background here.gif">
<tr>
<td width="100%"><center>CONTENT HERE</center>
<p>
</td>
</tr>
</table>
</center>
</td>
</tr>
</table>
</center>
</body></html>]]>
Layered Backgrounds: You will need the html code below while editing the images you choose as well as border colors.
<![CDATA[<html>
<head><title>Your Page Title</title></head>
<BODY BACKGROUND="first background here.gif" BGCOLOR=#FFFFFF TEXT=#000000 LINK=#000000 VLINK=#000000 ALINK=#000000>
<BR>
<BR>
<CENTER><TABLE BACKGROUND="second background here.gif" BGCOLOR=#FFFFFF BORDER="2" BORDERCOLOR=#62184C WIDTH="90%" CELLPADDING="50" CELLSPACING="0">
<TR>
<TD WIDTH="100%">
<P><CENTER><TABLE BACKGROUND="third background here.gif" BGCOLOR=#FFFFFF BORDER="1" BORDERCOLOR="#62184C" WIDTH="100%" CELLPADDING="5" CELLSPACING="0">
<TR><TD WIDTH="100%">
<P><CENTER><TABLE BACKGROUND="fourth background here.gif" BGCOLOR=#FFFFFF BORDER="1" BORDERCOLOR="#62184C" WIDTH="100%" CELLPADDING="5" CELLSPACING="0">
<TR><TD WIDTH="100%">
<p>
<center>Page Content Here</center>
<p>
</TD>
</TR>
</TABLE>
</CENTER>
</TD>
</TR>
</TABLE>
</CENTER>
<BR>
<BR>
</BODY>
</HTML>]]>
I am not an html expert however there are many html tutorials on the web including HTML Code Tutorials to help you.